Type of signature

JAAK Signa It supports five electronic signature types, each with different levels of monitoring and legal validity. That guide will help you choose the right type for your case of use.

Simple Signature

Simple signature is the most basic option. No sign's identity check required.

Characteristics:

• Without an identity check
• The sign only accepts terms with a click
• Basic legal validity under the Trade Code
• Instantaneous signing process

Cases of use:

• Terms and conditions of service
• Privacy notices
• Internal confidentiality agreements
• Low-risk legal documents

Configure:

{
  "signatureType": "simple"
}

Advanced Signature (OTP)

The advanced signature includes single-use code verification (OTP) sent by email or SMS.

Characteristics:

• Verification by code OTP (email or SMS)
• Fits the signature to a verified communication channel
• Average legal validity under advanced electronic signature law
• Signature process in less than 2 minutes

Cases of use:

• Labour contracts
• Supplier agreements
• Internal authorisations
• Documents with moderate risk

Configure:

{
  "signatureType": "otp",
  "otpChannel": "email"  // or "sms"
}

Signature flow:

1. The signatory agrees with the sign link
2. Enter your email or phone
3. He gets a 6-digit code
4. Enter code to confirm your identity
5. Signature document

Biometric Signature

The biometric signature combines an identity check KYC with face life proof.

Characteristics:

• Life-Detection Facial Verification (anti-spoofing)
• Comparison with identity document (INE)
• High law value with biometric evidence
• Fits with regulations AML/KYC

Cases of use:

• Credit and financing contracts
• Loan contracts
• Opening of accounts
• Any document with a critical identity

Configure:

{
  "signatureType": "biometric",
  "biometricOptions": {
    "documentRequired": true,
    "documentTypes": ["ine", "passport"],
    "livenessLevel": "high"
  }
}

Signature flow:

1. The sign can be accessed from a camera device
2. Captures photographs of his INE (front and back)
3. Realizes face life (selfie with movements)
4. The system checks facial coincidence
5. The sign and sign of the document
6. The certificate with biometric evidence is generated

Signature with FEL

The signature with FIEL (Advanced Electronic Signature of SAT) uses the digital certificate issued by SAT.

Characteristics:

• attestation issued by government authority (SAT)
• A very high legal value, equivalent to autograph signature
• Requires that the signatory have FIEL activated
• Ideal for fiscal and official documents

Cases of use:

• Electronic Inputs (IATC)
• Tax statements
• Contracts with Government Units
• Notary

Configure:

{
  "signatureType": "fiel"
}

Signature flow:

1. The signatory agrees with the sign link
2. Loads your .cer file (attested)
3. Loads your .key file (private key)
4. Enter your FIRE password
5. The system valids the certificate with the SAT
6. The document with the FIEL certificate is signed

Signature with PSC

The signing with PSC (Provider of Certification Services) uses certificates issued by entities authorized by the Secretariat of Economics.

Characteristics:

• Certificado issue por PSC authorized
• Maximum statutory validity under advanced electronic signature law
• Includes certified time seal
• Fits with NOM-151 for data message maintenance

Cases of use:

• Public Scriptures
• High Value Contracts
• Court proceedings
• Real estate

Configure:

{
  "signatureType": "psc",
  "pscProvider": "jaak"  // JAAK how PSC authorized
}

Signature flow:

1. The signatory agrees with the sign link
2. Realizes an identity check (similar to biometric)
3. JAAK issue a temporary certificate as PSC
4. The document with the certificate will be signed PSC
5. Certificated time seal applied
6. Maintenance record generated NOM-151

Comparison table

How to choose the signature type

Consider these factors by choosing:

1. Legal risk of document

   • Low risk → Simple signature
   • Moderate risk → Advanced signature
   • High risk → Biometric sign, FEL or PSC

2. Signature capacity

   • Without access to camera → Simple or advanced sign
   • with camera but without FIEL → Biometric sign
   • with FIEL → FIEL sign (tax documents)

3. Regulatory requirements

   • Without specific requirements → Any type
   • Compliance AML/KYC → Biometric signature
   • NOM-151 required → Signature PSC

4. User experience

   • Maximum simplicity → Simple signature
   • Security balance sheet / UX → Biometric sign
   • Maximum Security → Signature PSC

Following

• Rapid guide - Implement your first signature
• Authentication - authentication challenges